The Loan Fund of the Bavarian Student Services aims to help students in need at Bavarian universities prepare for their exams and successfully complete their studies by providing graduation loans.

Loan applications must be submitted to the relevant Studentenwerk.

Responsible for Eichstätt:

Studierendenwerk Erlangen-Nürnberg

Nuremberg Office

Andreij-Sacharow-Platz 1

90403 Nuremberg

Tel.: +49 9131 8002-59

Responsible for Ingolstadt:

Studierendenwerk Erlangen-Nürnberg

Erlangen Office

Hofmannstraße 27

91052 Erlangen

Tel.: +49 9131 8002-900

What is the KfW Student Loan?

• The KfW Student Loan is designed to finance living expenses during your first degree program.
• It can be combined with other financing options such as BAföG or the Education Loan.

Advantages of the Student Loan:

• Accessible to all students
• Freedom to choose your field of study
• Flexible adaptation to your financial needs
• Attractive terms
• Manageable repayment burden
• Efficient, streamlined, and cost-effective processing

How and where can you apply for the KfW Student Loan?

Applications are submitted exclusively online. You can access the application form on the online loan portal and fill it out on screen.

Here you will also find answers to any questions you may have, such as

• Product features and borrower options
• Total debt/burden during the repayment phase

Contract approval and further support are provided by LIGA Bank Eichstätt, Gutenberggasse 4, 85072 Eichstätt.

The staff at LIGA Bank Eichstätt are available by phone at 08421-97500 or in person during business hours.

Email: info(at)ligabank.de

• Link to KfW Förderbank. Further information, online application, questions, and more
• Learn more about the KfW student loan at LIGA Bank Eichstätt

Students can have their studies financed through an educational fund. This is contingent on the prospect of an excellent start to their career—that is, an excellent-paying job after graduation.

Educational funds are typically investment funds that award money to students with top grades. Students receive fixed amounts to cover their living expenses and often receive non-financial support, such as assistance with networking. In return, they commit to repaying a certain percentage of their income to the fund after graduation. Repayment may be tied to or independent of future earnings. This is intended to generate a return—that is, a profit—for the fund’s investors. The costs of fund management must be recouped in any case.

Tip: Since education fund contracts are not publicly available, the contract provided should be carefully reviewed. If it contains confidentiality or termination clauses with immediate effect in the event of persistently low income, it is better not to sign the contract.

Whether to finance one’s studies with an education fund is, of course, up to each student. However, anyone who is good at clearing the initial hurdle of an assessment center for an education fund will likely also be able to convince a scholarship provider.

The German Student Union advises students with above-average academic performance to apply for a scholarship first. This is because, when starting a career, nothing needs to be repaid from a scholarship.